Set up a cash-flow forecast structure and write plain-English commentary for your accountant or bank

The problem

Funding payments arrive on the local authority's timetable while wages go out monthly, so owners often need a simple forecast. AI can suggest a sheet layout with rows for income and costs, and write a short plain-English commentary from numbers you supply. It does not forecast, calculate or advise on borrowing. The numbers, the formulas and the decisions stay with you and your accountant.

What AI does

AI suggests a layout for a cash-flow forecast and later writes plain-English commentary on the totals you supply. You build the formulas yourself, AI forecasts nothing, and your accountant checks it.

Time

The steps, in short

1. Set out expected money in and out for each month, including known payment dates.
2. Have AI suggest headings for the sheet, then build the formulas yourself.
3. Once it's built, have AI write commentary on your totals and questions for your accountant.
4. Have your accountant check it, and update it monthly.

A short sample prompt

I run a nursery in England and my cash-flow spreadsheet is ready. Write a one-page, plain-English commentary on the monthly totals below, with questions for my accountant. Do not forecast, calculate or advise on borrowing. Totals: [paste]